Services
Investments
I help provide a comprehensive understanding of your investments by engaging in insightful discussions regarding the nature of your investments, the rationale behind your investment decisions, and the viability of capitalizing on prevailing economic conditions.
Discussions around investments often pertain to the stock market, mutual funds, ETF’s, Roth IRA’s, Traditional IRA’s, 401k’s, and brokerage accounts.
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The way we invest and plan for growth in our investment accounts is constantly changing. Based on market conditions, the US and world economy, interest rates, jobs, etc. our investments could need updated based on those changes. That is why I work to help you understand and prepare for those changes when they are happening. None of this should be static and we have constant conversations with clients to adapt.
The current retirement crisis in America is a concern, and many people are eager to maintain the lifestyle they have established but may have yet to discuss their financial situation. The conversation surrounding retirement savings and how to experience that money is entirely different. It is critical to ensure that you can maintain your standard of living in retirement while avoiding risks such as running out of funds, keeping up with inflation, or not having enough money.
Retirement Planning
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Most people will not experience the same retirement we have seen in the past, ie: pensions, social security and a little cash in the bank. That is why it is imperative to understand how retirement works during all phases of your journey. How we plan during the accumulation phase focuses on optimal growth of investments. How we then plan for the distribution phase focuses on how we draw from accounts to still optimize growth while maintaining a standard of living that is acceptable.
Risk management is simply the idea of avoiding the unacceptable. To many clients, there are risks that we are willing to accept and many that we are not. What is an unacceptable situation for you, your family, or your business? What types of insurance are suitable for my situation? When analyzing risk management tools, it is important to get an understanding for everything that is out there. It is also my job to help you understand why those certain tools are used in different plans for different clients.
Risk Management
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Important conversations around risk management involve life insurance, disability insurance, and extended-care coverage. Everyone has different levels of unacceptable risk in these certain areas. That is why it is important to discuss these tools and how they may hinder or help your overall financial picture.
